home foreclosure

Q: Are there any free housing counseling services available to homeowners who are struggling on the verge of home foreclosure?

A: Yes. The U.S. Department of Housing and Urban Development (HUD) web site provides a directory of HUD-approved housing counseling agencies. You can also call (800) 569-4287 or TDD (800) 877-8339 for the housing counseling agency nearest you, providing information on services and programs offered by government agencies, as well as private and community organizations that could help you. The housing counseling agency may also offer credit counseling. These services are usually free of charge.